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JEFFERSON STATE BANK

Residential Mortgage Lender

JEFFERSON STATE BANK, Austin, Texas, us, 78716


*JOB FUNCTION *: To generate mortgage production loans through external business development and internal partners. Will qualify borrowers; maintain compliance and quality control standards.

DUTIES and RESPONSIBILITIES *: *

Build and maintain referral networks and relationships for bringing in new mortgage business.Advise customers in the process of completing mortgage loan applications (1003)Determine appropriate loan type for customers' needs and educate customer on details of all loan typesDetermine loan requirements and advise customers regarding documentation required for transactionsPrepare and send initial disclosures to customers, complying with RESPA/TILA requirementsCorrectly calculate income and identify assets for borrowers per appropriate lender's guidelinesRun loan file information through Loan Prospector or Desktop Underwriting system to determine eligibility for agency loanManage customers and related service providers, including real estate agents, regarding appropriate expectations for documentation, process and closingPartner with processor on files to ensure loans close in a timely mannerCommunicate with customers regularly to ensure they have a clear understanding of the processExpand and regularly update knowledge base regarding RESPA, HMDA, MDIA, HVCC, Regulation B, Flood, and other regulations as applicableControl loan files to ensure compliance with regulatory requirementsExpand and regularly update knowledge base regarding underwriting requirements for conventional, FHA, and VA loansPerform other duties as assigned

MINIMUM QUALIFICATIONS *: * Work Experience **

2 years' experience in mortgage loan originationStrong compliance understanding and problem solving skills related to residential loan originationProven track record in achieving sales quotas up to 10 millionAbility to interface effectively with all levels within the organization, work autonomously, handle multiple projects, remain flexible and adaptable to changeExceptional Customer Service, highly motivated, focused, and goal oriented

Preferred Experience (Optional)

Experience with existing referral sources and customer relationshipsExperience using Encompass LOS SystemProficiency in Spanish language

*Supervisory Experience *

None

*Driving Position *

Yes, valid driver's license is required.

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